Find First-Time Home Buyer Specialists in Evanston, IL
Looking for a first-time home buyer specialist in Evanston? Review the directory below to compare your options.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Illinois before hiring.
Showing 20 first-time home buyer specialists in Evanston, IL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
What Does a First-Time Home Buyer Specialist in Evanston Cost?
Typical costs for a first-time home buyer specialist in Illinois include a commission paid by the seller usually 2.5 to 3 percent of the home price. Some specialists charge a flat fee ranging from 500 to 2,500 dollars. Mortgage broker fees can be 1 to 2 percent of the loan amount. Closing costs in Illinois average 2 to 5 percent of the purchase price. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is a first-time home buyer specialist in Evanston?
A first-time home buyer specialist is a real estate agent or mortgage professional who focuses on helping people buy their first home. They understand Illinois programs like the IHDA Smart Move loan and can explain local Evanston market conditions.
What Illinois programs are available for first-time home buyers?
Illinois offers the IHDA Smart Move loan which provides down payment assistance up to 5 percent of the loan amount. The IHDA also offers a Mortgage Credit Certificate that gives a federal tax credit of up to 20 percent of mortgage interest paid each year.
How do I qualify for first-time home buyer help in Illinois?
You must not have owned a home in the past three years. Your income must be below certain limits which vary by county. For Cook County in 2024 the limit is around 100,000 dollars for a one or two person household. You also need a minimum credit score of 640 for most IHDA programs.